Business Insurance Essays (Examples)

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Business Information Systems Intuit Case

Words: 1509 Length: 5 Pages Document Type: Essay Paper #: 2473027

For a product configuration system to be effective it must be able to submit orders directly into production while at the same time being able to determine what the Available-To-Promise (ATP) ship dates are (Mendelson, Parlakturk, 2008). Instead of just giving the standard four to six weeks I'd also integrate the product configuration systems to supply chain systems to ensure that accurate Available-To-Promise (ATP) dates (Gunasekaran, Ngai, 2009). I'd use this as a competitive differentiator to ensure that customers could be very well informed as to when their sofa or furniture was going to arrive. All of these systems would also be integrated to an analytics system so it would be possible to know what the status of orders and shipments were on a continual basis.


Gunasekaran, A., & Ngai, E.. (2009). Modeling and analysis of build-to-order supply chains. European Journal of Operational esearch, 195(2), 319.

Johansson, Johny K.,…… [Read More]


Gunasekaran, A., & Ngai, E.. (2009). Modeling and analysis of build-to-order supply chains. European Journal of Operational Research, 195(2), 319.

Johansson, Johny K., & Nonaka, Ikujiro. (1987, May). Market Research the Japanese Way. Harvard Business Review, 65(3), 16.

Kate Maddox. (2006, April). Microsoft research paves way for 'People Ready'. B to B, 91(4), 62.

Lorne McMillan & Brenda Ng. (2007). Ethnography within consumer research -- a critical case study of Consumer Film Festivals. International Journal of Market Research, 49(6), 707-714.
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Insurance Fraud

Words: 11287 Length: 35 Pages Document Type: Essay Paper #: 71815562

Insurance Fraud

After tax evasion, insurance fraud is considered the highest-ranked among white-collar crimes. The original concept of insurance, as a for-profit endeavor, was to collect funds from a large number of people to pay for damages and accidents that involved a small percentage of the population that paid premiums. Insurance fraud is an ever-growing problem. Solving or eliminating this problem requires the resources and knowledge of individuals or associations with expertise ranging from not only insurance, but also law enforcement, legal issues and the social sciences. The concept of insurance fraud, both, by an individual and a corporation, has become so pervasive in today's society that the general population has learned to tolerate and condone these crimes.

Various organizations, funded by state and federal governments, and supported by the insurance company, are trying to increase the awareness of this problem among the general population. Annually, an average American family…… [Read More]


AAA, American Automobile Association. Insurance Fraud-- It Costs Consumers Billions of Dollars Every Year, but Csaa Is Fighting Back - and You Can Help. 2002. Available. October 15, 2002.,8055,1005000000%257C2974,00.html

CAIF, Coalition Against Insurance Fraud. Insurance Fraud: The Crime You Pay For. 2002. Available. October 25, 2002. 

Phony Health Coverage -- People Left Dangerously Uncovered Throughout U.S. 2002. Available. October 27, 2002. 

Childers, S. David, and Christy A. Chism. The Extraordinary Scope and Potential Regulatory Pitfalls of the Insurance Fraud Protection Act. 2002. Available. October 27, 2002.
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Insurance Minimizing Net Claims Payments

Words: 1510 Length: 5 Pages Document Type: Essay Paper #: 56992639

So, with these very expensive claims related costs, it is essential that carriers surrogate as many of these costs as possible and because of the inherent relation to the claims process, claims management offices and functions should be fully responsible for investigating and implementing the subrogation process. Claims managers have the authority to oversee settlements and to point claims adjusters in the right direction for initiating any necessary investigations in regard to subrogation.


In conclusion, this report aimed to discuss how to minimize net claims payments through the process of pursuing subrogated recoveries and how this should be a central claims management responsibility. The objective of the report was to provide insights into why it is critical for carriers to understand the inherent costs of business fire claims including the ever expensive business interruption principles of subrogation. It must be emphasized that the responsibility of claims management be responsible…… [Read More]

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Business Organisation Marketing Plan Production

Words: 3242 Length: 10 Pages Document Type: Essay Paper #: 68318293

The age range will be between 25 and 64, and there are a lot of doctors and other professionals such as professors and lawyers in my area making this a good choice. Approximately, then between 3% and 5% of these individuals will take their dog to daycare if it is available. By adding boarding and grooming services, I can increase the number of clients available to me by 300%-600% as well as increasing my income by 200%-#400%.

Market Opportunities

There are no other dog day-care centres in the vicinity or even within neighboring localities to compete with the business

There seems to be a potential supply of clients


Training dogs: Dogyoga (innovation); cutting-hair facilities; gymnastics

Alternate products: day-care and nourishment.

Value-added products: Vet. pecial trainer. pecialist with dogs.


#40 per hour (simple day-care)

#100 per lesson -- dogyoga

#100 per lesson -- etiquette training

#100 per lesson --…… [Read More]


American Veterinary Medical Association, viewed January 22, 2011,

<> Viewed January 22, 2011,

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Insurance Industry as it Has

Words: 3252 Length: 12 Pages Document Type: Essay Paper #: 7265606

While the insurance companies worked to satisfy claims there were so many of them that there were backlogs for months at a time. Clients were left to figure out how to survive without having insurance money in their hands and tempers began to flare on all sides of the crisis (Burr, 2006).

As additional natural disasters continued to loom over the sunshine state and wreak havoc, insurance companies won the right to begin raising their premiums to try and recover from the massive and unprecedented losses that they had suffered over the past decade (Fogg, 2006).

The legal decision to allow an increase in premiums pleased the insurance companies however it angered the policy holders in significant numbers.

The Sunshine State is suffering from a symbolic cloud cover of epic proportions. The ominous overcast outlook is a result of two major factors in the Florida insurance atmosphere -- public outrage…… [Read More]


Burr, Barry B (2006) Revenue-sharing suit filed; Florida plan calls payments to Nationwide 'kickbacks'.(Nationwide Life Insurance Co., Nationwide Financial Services Inc., Sheriff Kevin Beary) Pensions & Investments

Blacklidge, Ray (1995) Florida Hurricane woes require a private-public solution. (insurance)

From: National Underwriter Property & Casualty-Risk & Benefits Management | Date: July 17, 1995 | Author: | More results for: florida insurance management principles

Deep Impact: New Florida Homeowners Insurance Laws Are Influencing the Insurance and Reinsurance Market in Other States and Other Lines.(Reinsurance/Capital Markets: Expanded Florida Law) Best's Review
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Business Plan Product Description Market

Words: 4066 Length: 15 Pages Document Type: Essay Paper #: 52314183

As part of the research triangle, Raleigh has a significant portion of its population that fits the target market. For the Farmery to succeed, it only needs to capture a small portion of the market share. This is especially true because the store has a small footprint, and has the flexibility to set up on vacant lots without the costs of either renting or developing fixed real estate. The Farmery therefore needs to focus on two or three key elements to ensure adequate market penetration.

The first of these is location. Let it not be understated that location, location, location is critical to the success of any retail business. Because food is not normally something that people are willing to travel more than a few miles for, it is important that the Farmery target a neighborhood where there is a high concentration of individuals that fit the target market. There…… [Read More]

Works Cited:

Falk, T. (2012). Detroit turns shipping containers into condos. Smart Planet. Retrieved December 4, 2012 from

Food Marketing Institute. (2012). Supermarket facts. Food Marketing Institute. Retrieved December 4, 2012 from 

Greene, B. (2012) the Farmery. Retrieved December 4, 2012 from

Imlay, T. (2006). Challenges in today's U.S. supermarket industry. Microsoft. Retrieved December 4, 2012 from
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Business Plan Relating to the Sale of a New Financial Divorce Software

Words: 6850 Length: 25 Pages Document Type: Essay Paper #: 96636947

Business Plan for a Financial Divorce Software

Business Plan Divorce Software

Business Plan relating to the Sales of a new Financial Divorce Software.

Business Plan relating to the Sales of a new Financial Divorce Software









Business Identification

Keys to Success

Company Summary

Industry History

Legal Form of Ownership

Location and Facilities

Management Structure

Products and Service

Market Analysis

Target Market

Industry Analysis

Competitive Analysis

Market Strategy

Ps of Marketing

Price List

Selling Strategy

Sales Forecast

Implementation Strategy

Overall Strategy


Control Plan

Financial Statements and Projections

evenue and Cost Estimate

Forecasted Profit and Loss Statement

Forecasted Balance Sheet

Financial Assumptions

Breakeven Point

Financial Position

Capital/Investment Needs



Executive Summary

Financial planning is involved in every aspect of life. Individuals and businesses have to formulate their daily, monthly, and yearly budgets in order to achieve a balance between their incomes and expenditures.…… [Read More]


Association of Divorce Financial Planners, (2012). Divorce Financial Planning. Retrieved on July 7th, 2012, from

Blythe, J. & Megicks, P. (2010). Marketing Planning: Strategy, Environment and Context, 3rd Edition. U.K: Prentice Hall

Cadle, J., Paul, D., & Yeates, D. (2010). Business Analysis, 2nd Edition. Swindon: British Informatics Society

Francis, P. (2010). Creating the Marketing Executive of the Future Using Key Deming Principles, Journal of Executive Education, 9 (1): 127-138
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Business Plan This Business Plan

Words: 2364 Length: 8 Pages Document Type: Essay Paper #: 59889851

The office and administrative expenses would remain constant even to that point, as would the insurance expense.

Exhibit B: Cash Flow Statement, Year Two

At this point, the business is earning a healthy return and Mr. Ahn is receiving will be able to bring in a reasonable salary. The nature of the business may well change at this point. At the maximum revenue of $144,000 per year the pretax profit would be $63,600. As a result, it is likely that a clinic will be formed with other practitioners in order to minimize expenses and increase profitability.

e did not include taxes in our cash flow examples because the company is going to be set up as a sole proprietorship. This means that the income from the company will be rolled into the income for Mr. Ahn, as well as his liabilities. Mr. Ahn's personal expenses are therefore not included in…… [Read More]

Works Cited

No author (2007). Traditional Chinese Medicine. Alternative Medicine Foundation. Retrieved December 18, 2008 at 

No author (2005). Regulation of TCM in the United States. Medscape Today. Retrieved December 18, 2008 at

No author (2008). HIV / AIDS, the U.S.-China Partnership for Public Health at Work, and Traditional Chinese Medicine in the U.S. Fact Sheet. U.S. Department of Health and Human Services. Retrieved December 18, 2008 at

Census information from U.S. Census Bureau. Retrieved December 18, 2008 at
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Business Plan -- Rocky Mountain Sports Fishing

Words: 2090 Length: 7 Pages Document Type: Essay Paper #: 76681575

Business Plan -- ocky Mountain Sports Fishing, LLC

Business Description

Definition of the Market

Services Offered


Marketing Strategy

Financial Management

ecreational fishing is a multi-billion dollar industry in the United States, both for salt and freshwater. Conservative estimates show that there are upwards of 30 million individuals with more than a 1-2 time/annum interest in the sport. This has an overall impact on the economy of $125 billion (Williamson, 2012). Consumer demographics show that it is primarily a male oriented event. Mobility and technology have improved the sport in the last two decades, as well as maps, surveys, and handheld sonar and GPS devices. For this reason, as an organized sport, it is chiefly an upper middle and above income sport that also may require several thousand dollars in travel expense. There are even contests for ice and sport ice fishing in the U.S. And Canada.

Sport fishing is…… [Read More]


Hummel, R. (1994). Hunting and Fishing for Sport: Commerce, Controversy, Popular Culture. Bowling Green, OH: Bowling Green State University.

Kotelnikov, V. (2001, January). Customer's Perspective of Quality. Retrieved from E-Coach: guide / corsscuttings / bizsys_customer.html

Skorupa, J. (1991, September). Eco-Tourism Arrives. Popular Mechanics, p. 92.

Turban, E. (2002). Electronic Commerce: A Managerial Perspective. New York: Prentice Hall.
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Business Plan the Business That I Am

Words: 1738 Length: 5 Pages Document Type: Essay Paper #: 73838016

Business Plan

The business that I am going to start is a small coffee microroastery and shop. The company will perform two basic functions. The first is a product function, the roasting of coffee beans. Green beans will be received by the company, roasted, and then both used in the shop and made available for a variety of retail channels. The second function will be a service function, based on the production and serving of beverages and light snacks. The staffing plan will be simple. The owner/manager/roaster will perform most of the management tasks associated with the shop. There will be an assistant manager who doubles with barista duties, as well as 4-6 part-time staff members, filling 3 FTEs in the barista/service function. This plan is based on experiences at other, similar operations, in addition to meeting a few other needs. One is the need to keep costs down, and…… [Read More]

Works Cited:

Inc. (2000). Cash vs. accrual accounting. Inc. Magazine. Retrieved November 13, 2012 from (2012). Limited liability company (LLC). Internal Revenue Service. Retrieved November 13, 2012 from

KPMG. (1999). Internal control: A practical guide. KPMG. Retrieved November 13, 2012 from

Perez, W. (2012). Types of business organization. Retrieved November 13, 2012 from
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Business Plan Description of the Business the

Words: 2458 Length: 8 Pages Document Type: Essay Paper #: 59203893

Business Plan

Description of the Business

The business is a gourmet candy shop. The shop will sell gourmet candy that has been sourced from all over the world. The shop will operate with one storefront location, and there will be an Internet/mail order component as well.

The rationale for the business is simply. There is a growing trend towards hedonistic approaches to dining. We have seen in the past few years the rise of the bacon fetish, high end craft beer and coffee, cupcakes, the move of fine dining to the mass market and a full embrace by Americans of better quality indulgent goods. Much of this trend can be credited to the aging of the population, as people seek to maximize pleasure. They have the financial means to treat themselves, and seek to balance this hedonism with a desire to be healthy. The intersection of these ideals is where…… [Read More]


Bailey, E. (2013). Pros and cons of incorporation. Retrieved November 14, 2013 from

FASB. (2013). International convergence of accounting standards. Financial Accounting Standards Board. Retrieved November 14, 2013 from (2013). Publication 946. Internal Revenue Service. Retrieved November 14, 2013 from

NCA. (2013). Profile of the U.S. candy industry. National Confectioners' Association. Retrieved November 14, 2013 from
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Business Logistics and the Supply

Words: 1620 Length: 4 Pages Document Type: Essay Paper #: 65013343

This allows for greater levels of planning and cooperation, and fills in the information gap that currently exists between the factory floor and the rest of the supply chain.

Lexmark provides an example of waste. Recently, the company found itself with more than $1 million in scrap from one lot. Engineers had insufficient information to isolate and fix the problem, so were instead relegated to crisis control. With more accurate data from each step of the operation, the engineers could have been more involved in the process and made improvements along the way before it became a large-scale crisis.

Through web-based business applications, engineers can now examine a defective printer cartridge and then use a thin client to put a hold on the entire batch if necessary, regardless of its physical location (anywhere in the world)

In conclusion, it is apparent that e-business is making its mark on the business…… [Read More]


Alexander, Michael. (2001). Factory Floors Go Online -- Pioneering manufacturers close the final gap in their supply chains. InternetWeek; Manhasset; Mar 12, 2001.

2002) Automotive Design & Production. Cincinnati, 114(8), 70-72.

Steele, a.L. (2001). Cost drivers and other management issues in the JIT supply chain environment. Production and Inventory Management Journal. Alexandria, 42(2), 61-68

Drickhammer, D. (2001, May 21). Peak performance. Industry Week. Cleveland, 250(8) 36-40.
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Business Growth in Export Trading

Words: 1701 Length: 6 Pages Document Type: Essay Paper #: 39209693

In certain situations the landed cost can also include customs duties, and other taxes that apply to the shipment in case.

Shipping and insurance -- 7.5% of the product's cost.

Packaging -- 5% of the product's cost.

Profits -- 20% of the product's cost.

Organic bread landed cost - $15+7.5%+5%+20% = $19.2

Organic fruits landed cost - $17 +7.5%+5%+20% = $21.76

Organic vegetables landed cost - $16 +7.5%+5%+20% = $20.48

Organic desserts landed cost - $32 +7.5%+5%+20% = $40.96

Organic cheese landed cost - $45 +7.5%+5%+20% = $57.6

Organic wine landed cost - $46 +7.5%+5%+20% = $58.88

The landed cost is established in accordance with the profits requirements of the company. The company must also identify the profits that distributors in Germany are interested in. This is intended to help Naturally Green develop a pricing strategy that can satisfy the company, its distributors, and its customers. It is important to…… [Read More]

Reference list:

1. Industry Statistics and Projected Growth (2012). Organic Trade Association. Retrieved November 21, 2012 from

2. Germany (2012). CIA, the World Factbook. Retrieved November 22, 2012 from .

3. Landed Cost (2012). Business Dictionary. Retrieved November 22, 2012 from .
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Business Plan Is Critical for

Words: 1393 Length: 5 Pages Document Type: Essay Paper #: 58009204

Many people have become critics of the ethical standards of many industries, yet many such industries (pharmaceuticals, agribusiness, casinos, tobacco companies) remain highly successful.

Since the definition of ethics is always in the eye of the beholder, it is essential that the business frame the issue of ethics in a proprietary manner. Each firm will choose a slightly different version of ethics to which it will adhere, but that choice must reflect the ethical standards of potential investors and potential customers so as to continue to attract both groups. A business with a clearly thought-out, well-defined code of ethics is more likely to have those ethics permeate throughout the organization. If nothing else, the ethical principles will be consistent throughout the organization, such that management and other stakeholders know what to expect from their employees. That, at least, will provide insurance against the likelihood of an Enron-type situation where nobody…… [Read More]

Works Cited:

Concord Business Development. (2001). Importance. Concord Business Development. Retrieved December 14, 2009 from

Cox, H. (2007). The importance of a business plan. EZine. Retrieved December 14, 2009 from

No author. (2007). Competitive Advantage. QuickMBA. Retrieved December 14, 2009 from
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Business Plan Business Financial Plan for Sweet

Words: 1625 Length: 6 Pages Document Type: Essay Paper #: 44251310

Business Plan

Business Financial Plan for Sweet Tooth Treats

Baking has always been a major part of my family life, and for generations there has been infamous cookie recipes past down from one cook to the next. Every holiday season, my cookies are notorious for being the best any gift receivers have ever had. Finally, I believe it is time to make my baking hobby and actual money making enterprise. I know I have the recipe, the potential customers, and options for both retail space and an online presence. The only thing missing is the initial push to make this hobby an actual business -- Sweet Tooth Treats.

Business Start Up Plan


The essentially product here is the various cookies, of different flavors and ingredients. I have several recipes for cookies, both permanent and seasonal variations. These products will be sold in both individual sales at a retail location,…… [Read More]


Colorado Small Business Association. (2012). The beginning balance sheet. Documents. Web.

Damrauer, Virginia Hire. (2010). One Good Cookie. National University. Web. 

Hub Pages. (2012). How to start your own cookie business from home. Small Business and Entrepreneurs. Web.

Office of Financial Management. (2012). Generally Accepted Accounting Principles (GAAP). Accounting Principles. Web.
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Business Plan Financial Projections as

Words: 700 Length: 3 Pages Document Type: Essay Paper #: 91939602

Thus, the price will be:

(220*P)-(220*25.57) - $2,250 = 220P -- 7875.4 = $35.7, so the price for the one-hour session will be $360. Given that the expected demand is 240, the income statement will be as follows:

Income Statement

Year 1



less variable costs


Gross Margin


less Fixed Costs


Income Before taxes



Net Income


The CMS website's search function is non-functional, so there does not appear to be any place to find out the reimbursement rate for this type of service. This is ok, because reimbursement rates will differ depending on the payer -- private insurers may have different rates anyway. The biggest issue is actually going to be with cash flow. All types of payers can be notoriously slow with their payments. It can take 60 or even 90 days sometimes to collect on billings, which will have an effect…… [Read More]

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Business Entities Laws and Regulations This Paper

Words: 1102 Length: 3 Pages Document Type: Essay Paper #: 47871027

Business Entities, Laws, And egulations

This paper will focus on the challenges faced by one start-up businesses and an established company with labor issues. For the start-up, a birth clinic, a case needs to be made for the type of business entity they should each use. The established company is a construction company whose business entity must be identified and employment law pertaining to the scenario will be discussed. For each business, identification of the best business entity for the given situation needs to be accomplished first. The decision of the type of business entity will take into consideration control, taxation, and liability issues. eview of the laws and regulations that each ownership group must consider and identification of risks that the businesses should protect against will be discussed. eview of the construction company's business structure and how it affects control, taxation, and liability issues along with how employment law…… [Read More]


Cheeseman, H.R. (2010). The legal environment of business and online commerce: Business ethics, e-commerce, regulatory, and international issues. (6th ed.) Upper Saddle River, NJ: Pearson Prentice Hall.

University of Phoenix. (2010). Course syllabus. Retrieved from University of Phoenix, BUS415 - Business Law website.
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Business Plan for Legal Nurse

Words: 1974 Length: 7 Pages Document Type: Essay Paper #: 92414386

This is further based on the following assumptions:

1. The company will charge $150 per hour for each client.

2. The company expects to spend at least 80 hours a year with each client.

3. The company expect to see at least 30 clients per year, which will generate a revenue of $150 x 30 x 80 = $360,000. For the purpose of this computation, this will be regarded as the selling price.

4. The company expects its yearly fixed costs to be $526,000. This fixed cost consists of the cost of staff remuneration, utility bills and advertising.

5. The company expects its variable costs to be about $344,000 a year, comprising of the cost of equipment servicing and maintenance, legal costs, and so on.

Given the above assumption, the company's yearly break-even point can be computed as follows:

The implication of the above computation is that LNS must service…… [Read More]


Graham J.R., Smart S.B., & Megginson W.L. (2010): Corporate Finance -- Linking

Theory to What Companies Do. Mason, OH: South-Western Cengage Learning.

Hubbard R.G., O'Brien a.P. (2009): Macroeconomics. Upper Saddle River, NJ: Prentice-

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Business Plan Proposal

Words: 781 Length: 3 Pages Document Type: Essay Paper #: 47006697

Business Plan Proposal:

The Ducks Poker Room

Business Plan Proposal: The Ducks Poker Room

Executive Summary/Company Description

The Ducks Poker Room will be a new for-profit gaming club primarily hosting players of versions of the card game known as "Poker." The Ducks Poker Room will also offer alternate games, including but not limited to promotions for prize pools involving tickets to college basketball and football games. Finally, The Ducks Poker Room will host patrons who are not playing poker.

Business Plan Objectives

Provide exceptional facilities, equipment, service, staff and merchandise that create a highly positive impression on our core customers;

Consistent entertainment atmosphere and product quality;

Capitalize on excellent location opportunity;

d. Launch the venue with a highly publicized grand opening event in the spring of Year 1;

e. Maintain tight control of costs, operations, and cash flow through diligent management and automated computer control;

f. Maintain food costs below…… [Read More]

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Insurance While There Are Abundant

Words: 1992 Length: 6 Pages Document Type: Essay Paper #: 29294012

Ace, too, bears some liability. Although they told Perfect Products plc, ostensibly in good faith, that their situation was hopeless and liquidation was the only answer, when Perfect Products decided to ignore their advice and attempt to avoid voluntary liquidation, Ace failed to use diligence in making the case for liquidation; later, when they are notified in writing that Perfect Products intends to cancel insurances, lay off workers and generally attempt to struggle along despite the opinions of two of its own directors that it cannot survive, the accountants fail to respond. In this respect, they are also failing to exercise diligence in carrying out their role as accountants to the company. Indeed, the accountants' liability would have been minimized at that point had they made a second written representation of their findings and recommendation, even recommending strongly against the hopeless efforts the Chairman was almost forcing the company to…… [Read More]


Bergman, D. (1998) Bosses get away with murder. New Statesman. Questia database. Accessed 20 June 2005 at

Fact sheet: Sex discrimination legislation in Britain. (2005). U.K. government Web site. Accessed 20 June 2005 at

Foster, P. (2001) Tracking down U.K. company information. Online. Highbeam Research. Accessed 20 June 2005 at

Miller, S.K. (1998) Piercing the corporate veil among affiliated companies in the European Community and in the U.S.: A comparative analysis of U.S., German, and U.K. veil-piercing approaches. American Business Law Journal, 36(1). Highbeam Research. Accessed 20 June 2005 at
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Business Management & Organizational Behavior

Words: 824 Length: 3 Pages Document Type: Essay Paper #: 23656015

Coyne (ISO, 2007).

Under Mr. Coyne's direction, ISO maintains a regular cycle of community relations events with charitable themes emphasizing the corporate focus of benefiting the community. ISO also provides varied opportunities for employees to incorporate their families into ISO functions as well as recreational activities designed to promote good employee relations. At ISO, periodic progress reviews and regular feedback from supervisors allows employees to maximize their career potential by rewarding performance with regular financial raises and opportunities to advance up the hierarchical ladder (ISO, 2007).

Communication, Diversity, and Business Ethics:

ISO welcomes diversity in its workforce and encourages applications from all sectors and academic institutions. ISO corporate policy and employee handbook specifically stress the importance of maintaining a culturally diverse working environment where employees of all backgrounds and cultural practices are equally welcome. While New Jersey does not require employers to offer health insurance and other benefits to non-married…… [Read More]

Kinicki, a., Williams, B. (2005) Management: A Practical Approach. New York: McGraw-Hill.

Insurance Services Offices, Inc. Public Homepage. (2007) Accessed, October 28, 2007, at

Insurance Services Offices, Inc. (2005) Employee Handbook.
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Business Transformation Strategy

Words: 3911 Length: 14 Pages Document Type: Essay Paper #: 75880550

Business Transformation Strategy

GE Capital oodchester is a leading provider of motor car, equipment, and personal finance in the country of Ireland. They offer the most flexible packages for diverse financial needs and as such, have earned the position of leading the personal and capitol acquisition financial services. GE Capital oodchester also provides specialized financing and services and they focus on niches including equipment and car leasing, hire purchase and loans to businesses and individuals across Ireland. Headquartered in Dublin, GE Capital oodchester services the financial needs of its customers through its regional sales centers and extensive dealer and partner network.

GE Capital oodchester is a wholly owned subsidiary of GE Capital. ith assets of more than U.S.$425 billion, (, online) GE Capital is a global, diversified financial services company with 28 specialized businesses worldwide. GE Capital has had an enviable record of growth over the past decade delivering value…… [Read More]

Works Cited

Who We Are. (2002) GE Capitol. Accessed 6 August 2003. Website:

Our Expertise. (2002) GE Capitol. Accessed 6 August 2003. Website:

Hill, C. & Jones, G. (2001) Strategic management: an integrated approach, 5th ed. Houghton Mifflin Company: Boston.

Porter, Michael. (1980) Competitive Strategy: Techniques for Analyzing Industries and Competitors New York: Simon and Schuster.
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Business Law Contract Analysis U-Haul

Words: 4590 Length: 15 Pages Document Type: Essay Paper #: 46964143

Independent dealers must sign a contract that sets forth the manner in which they will operate their rental centers. Often a small business owner will supplement their income be adding U-Hauls to their market mix. Independent contractors earn a commission on their sales.

Each division of AMERCO has it own president. All of them must report to a Board of Directors. The Chairman of the Board and overall President is Edward Shoen, descendent of the original founders of the company. Many members of the Shoen family still control much of the company (Google Finance). Little information is available about the company, aside from their financial statements. Although they have a Board of Directors, the company continues to operate as a family-style operation, with the family members occupying many positions in upper management. The company structure is simple and little is available beyond basic information.

Purchasing Contract Analysis and the UCC…… [Read More]

Works Cited

Ceh v. UHaul International, Inc., 11th district court of appeals, No. 04-10031.

A Accessed January 22.

Company News; U-Haul's Parent Seeks Bankruptcy Protection." June 21, 2003. New

York Times. Accessed January 23, 2007.
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Business Statistics Statistical Data Is

Words: 568 Length: 2 Pages Document Type: Essay Paper #: 59935850

Because the nature of economic and business phenomena is clearly statistical in nature and the need for a scientific approach is becoming more and more necessary, so statistical analysis has become an integral part of every aspect of theoretical and applied research.

The inter-dependence of economies and the development of global markets has introduced new levels and sources of competition for the businesses. Businesses face new levels of risk as the markets in which they operate become more open. Should they invest in new capacity to be able to compete more effectively? How exposed a position can they afford to take in their key markets? In short, how does a business cope with the risks inherent in the modern economy? When uncertainty is so high, the management has no choice but make the use of the statistics to justify their decisions. So statistical devices are a set of tools that…… [Read More]

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Business School Admissions -- Appeal

Words: 797 Length: 2 Pages Document Type: Essay Paper #: 68157773

It is important that tomorrow's business leaders understand the good and bad science behind currently marketed drugs, and understand what constitutes ethical and unethical marketing practices.

Also, over the course of the past five months, while working in a research lab in genetics has given me invaluable knowledge, I have realized the importance of science to communicate in layperson's terms with the outside world. On an individual level, I often find it frustrating that my more scientifically oriented colleagues in my current place of employment exhibit so little interest in making their scientific work comprehensible, much less marketable to non-scientists and to industry. This contrast between their own orientation and my own desire to communicate effectively with a larger world confirms my decision to enter the business world.

In my own future, I seek to be a bridge between the worlds of science and industry. To better become such a…… [Read More]

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Business Law for Accountants

Words: 690 Length: 2 Pages Document Type: Essay Paper #: 62046755

Business Law and Christian Ethics

The terms limited liability and liability protection are often used interchangeably to describe business arrangements that limit the amount of a firm's liability, generally to the amount of assets held by the firm. In other words, those types of business arrangements protect an individual's personal assets from judgment should the person be sued in a professional capacity. One frequent example of a limited liability business arrangement is the limited liability partnership, which essentially "protects each partner from debts against the partnership arising from professional malpractice lawsuits against another partner" (Pakroo, 2013). In those instances, the liability limitation is not limited the individual assets of the partners, but also extends to property owned by the partnership.

Whether or not limited liability or liability protection aligns with a Christian worldview is a tricky moral question because it presupposes that all people who enter into those types of…… [Read More]


Pakroo, P. (2013). Limited Partnerships and Limited Liability Partnerships. Retrieved September 24, 2013 from NOLO website: 

Scalici, S. (2007, March 30). The Christian Taxpayer. Retrieved September 24, 2013 from Crosswalk website:
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Business Plan for a Residential and Day Treatment Facility

Words: 3843 Length: 14 Pages Document Type: Essay Paper #: 49410881

Business Plan Assisted Living Facilities

Residential and Day Treatment Facility

Business Plan

Residay Home and Residential Care provides assisted living solutions for senior adults. Residay Home and Residential Care is dedicated to making the provision of the highest quality care to senior citizens requiring or desiring an assisted living facility. Residay Home and Residential Care is located in the Tennessee Valley Area of North Alabama and is an alternative to the generally larger and less personal senior assisted living facilities specializing in the ability to make provision of a very high level of care in a smaller and more personal environment. Residay Home and Residential Care makes provisions of assistance to seniors in their activities of daily living including assisting with medication, meals, reminders, personal grooming, physical therapy and other such assistance. Further provided by Residay Home and Residential Care are opportunities for companionship, entertainment, and activities, which seniors enjoy…… [Read More]

Works Cited

Administration on Aging, Department of Health and Human Services (2005). Fact Sheets: Eldercare Locator.

Administration on Aging. (2004). Report to Congress. Long-term Care Ombudsmen Report, Fiscal Year 2004. Washington, DC: U.S. Department of Health and Human Services, Administration on Aging.

Agency for Healthcare Research and Quality. (1996). Medical Expenditure Panel Survey: Nursing Home Component. Retrieved from:

Alabama State Board of Health, Alabama Department of Public Health, Division of Licensure and Certification Administrative Code. Chapter 420-5-4 Assisted Living Facilities. Retrieved from:
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Business Expansion FedEx Is a Corporation Offering

Words: 664 Length: 2 Pages Document Type: Essay Paper #: 75821105

Business Expansion

FedEx is a corporation offering worldwide delivery services to other corporations, government entities, individuals and anyone who is interested in quick, efficient and safe delivery of documents and other packages throughout the world. As such, FedEx is constantly looking to expand into additional marketplaces and geographies. Understanding the local economies and cultures of the areas of expansion are key to a successful launch and ongoing profitability when servicing the new areas.

Considering all the various factors that can ensure a profitable expansion venture is an important part of the decision process. A recent report determined that "companies have more than enough data to tell them when, where and who is buying their product" (Neeley, arnica, Lorinc, Castaldo, McCullough, Nowak, Toller, Beer, Evans, Melanson, Barmak, McCullough, Shufelt, 2013, p. 36) but that is only part of the equation. Knowing who is buying your product does not necessarily equate into…… [Read More]

Works Cited

Kohls, B.M.; (2012) Going global, Economic Development Journal, Vol. 11, Issue 3, pp. 27 -- 34

Neeley, P.; Warnica, R.; Lorinc, J.; Castaldo, J.; McCullough, M.; Nowak, P.; Toller, C.; Beer, J.; Evans, M.; Melanson, T.; Barmak, S.; McCullugh, M.; Shufelt, T.; (2013) 35 Radical ideas to kick-start Canada's economy, Canadian Business, Vol. 86, Issue 5, pp. 36 -- 62

Pofeldt, E.; (2013) Grow the right way, Money, Vol. 42, Issue 10, p. 48
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Business' Environmental Responsibilities and Stewardship

Words: 4956 Length: 15 Pages Document Type: Essay Paper #: 82302299

In addition, we might ask ourselves if the richer nations have or not a greater responsibility as far as the research and development in the area of sustainable energy are concerned. (Reid,

elieving that there are such energy sources or consumption policies which would allow the planet's resources to be maintained for a longer period, while making sure that all the nations are provided with a comfortable living is rather naive. Under these circumstances, it has been argued that doing the moral thing means choosing the least terrible solution. The problem is that this implies a relativistic evaluation of the matter which impacts the manner in which the moral principles are conceived.

efore stepping into a debate regarding the character of the moral principles, we may state that we agree with the opinions which state that there is no such thing as objective moral principles."Ethics can be seen as…… [Read More]


Aristotle, Nicomachean Ethics (Ross, W.D. Translator). Retrieved from September 30, 2010

Hartman Laura P. & Joe DesJardins. Business Ethics Decision Making for Personal integrity & Social Responsibility, Second Edition
Jonas, Hans. The imperative of responsibility. Chicago: University of Chicago Press,1984

Kant, I. Fundamental principles of the metaphysics of morals. NuVision Publications, 2007
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Business Entities Laws and Regulations

Words: 945 Length: 3 Pages Document Type: Essay Paper #: 60721442

S corporations must be domestic in nature, issue only one kind of stock, and have less than a hundred shareholders: given that Frank only has aspirations to have a U.S.-based business, this entity type would seem ideal, although he might need some legal help to file as an S Corporation.

Professional practice: An LLC, or limited liability corporation, is the most popular type of entity structure for professional groups such as doctor's offices, accountants, and other small enterprises. As owners, Akiva and Tara would not be personally liable for the debts of the LLC, although constructing the entity is more complicated, legally, than a joint proprietorship. Given the insurance risks of running a birth clinic and the dangers of litigation, anything but an LLC would be unwise. Additionally, in some states, owners are "protected from personally liability from certain acts or misconduct of other partners, employees, agents, or their representatives"…… [Read More]


Limited liability. (2010). State of Iowa. Retrieved March 29, 2010 at

Limited partnership. (2007). Quick MBA. Retrieved March 29, 2010 at 

Pregnancy Discrimination Act. (2010). EEOC. Retrieved March 29, 2010 at 

S Corporation. (2010). IRS. Retrieved March 29, 2010 at,,id=98263,00.html
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Business Plan for Slow Wing

Words: 4373 Length: 15 Pages Document Type: Essay Paper #: 31123381

Inventory Management Strategy. In his book, Streetwise Project Management, Dobson (2003) advocates the use of a just-in-time inventory management strategy to keep inventories low and manufacturing process more productive. This approach, though, will require close coordination with a Brazilian supplier, warehousing operations, planners and forecasters, and transportation directors throughout the inventory management process. In this regard, Epps (1995) advises, that such an approach requires the efficient transportation of materials from outside vendors directly to the work-in-process area, where the required value added processes of the manufacturing operations take place, which is followed by the shipping of the finished products to the customer within a reasonable timeframe. This inventory management strategy can save manufacturers the costs of inspection, stocking, material handling, inventory tracking, carrying the inventory, and the dangers that are typically related to damage to parts and their tendency to become obsolete over time (Epps).

The just-in-time inventory management strategy…… [Read More]


Bolten, E.F. (1997). Managing time and space in the modern warehouse with ready-to-use forms, checklist & documentation. New York: AMACOM.

Boyson, S., Harrington, L.H. & Corsi, T.M. (2004). In real time: Managing the new supply chain. Westport, CT: Praeger.

Brazil. (2009). U.S. government: CIA world factbook. [Online.] Available: https://www.cia.

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Business Law Discuss the Doctrine

Words: 1088 Length: 3 Pages Document Type: Essay Paper #: 35418091

A company cannot refuse to hire someone with sickle cell anemia (a disease that primarily affects persons of African ancestry), because the person might require costly health insurance, for so long as the person was strong enough to perform the job, discrimination would not be acceptable as it would affect persons disproportionately of one racial category.


Explain trade secret and how it could be protected legally and in day-to-day operations. Provide an example.

According to, an online legal dictionary, a trade secret is:

in] most states, a formula, pattern, physical device, idea, process, compilation of information or other information that 1) provides a business with a competitive advantage, and 2) is treated in a way that can reasonably be expected to prevent the public or competitors from learning about it, absent improper acquisition or theft" ("trade secret, 2007, Perhaps the most famous trade secret in business is…… [Read More]

Works Cited

Elias, Stephen. (1998)."Trade Secret Law: Overview." Nolo Press. Retrieved 8 Apr 2007 at: 

Estoppel." (2007). Retrieved 8 Apr 2007 at

Messiha, Dominic J. & Hillary R. Ross. (May 2006). "EEOC Revises Compliance

Manual to Target More 'Contemporary' Forms of Discrimination." ASAP: Littler Mendelson Time Sensitive Newsletter. Retrieved 8 Apr 2007 at
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Business Research Problem Retention of Customers the

Words: 937 Length: 3 Pages Document Type: Essay Paper #: 33937809

Business Research Problem: Retention of Customers

The first 'problem' or challenge for any business organization is to bring customers through the door. Only then can the sales staff can encourage customers to purchase the customer's first taste of the product or service that the business is providing. However, bringing in new customers is only the first step in running a successful operation. One must also retain customers and create a loyal base of income for the organization.

The medical industry is a vital part of the nation's economy. But it is also an industry that often has customer satisfaction problems. Some of these are no fault of the individual office's, medical insurance companies are to blame. But a company must also look within itself and do some soul searching when there is an imbalance in the quality provided by one department and the other department. hen two departments appear to…… [Read More]

Works Cited

"Evolution towards quality." (2003) GE Website. Retrieved 14 Jan 2005 

Glossary. (2003) GE Website. Retrieved 14 Jan 2005 

'Key Elements." (2003) GE Website. . Retrieved 14 Jan 2005
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Business Report as Happened With Many Service

Words: 3232 Length: 11 Pages Document Type: Essay Paper #: 95370726

Business Report

As happened with many service businesses during a recession, Jazz Event Productions experienced a drop in revenues in 2010. For a company that has grown steadily throughout its 15-year history, it was an unwelcome first. The decrease in sales occurred primarily because companies faced with tough economic choices because of the recession either cut back or eliminated entirely their budgets for special events. hereas many of our loyal customers continued to trust us to produce their special events just as in past years, others were operating with reduced budgets. As a result, Jazz experienced a period wherein sales dropped by about five percent.

ith the improved economy, sales have returned to pre-recession levels, however, because they are cautious and careful owners who want to perform their due diligence, Alex and Cindy are looking for ways to ensure that the company stays profitable. They believe that the best approach,…… [Read More]

Works Cited

Bansal, P. & Roth, K. (2000). Why companies go green: A model of ecological responsiveness. Academy of Management Journal, 43(4), 717-736. Retrieved from 

Cronin, J.J., Smith, J.S., Gleim, M.R., Ramirez, E., & Martinez, J.D. (2011). Green marketing strategies: an examination of stakeholders and the opportunities they present. Journal of the Academy of Marketing Science, 39(1), 158-174. doi: 10.1007/s11747-010-0227-0

Hartmann, P., Ibanez, V.A., & Sainz, J.F. (2005). Green branding effects on attitude: Functional vs. emotional positioning strategies. Marketing Intelligence & Planning, 23(1), 9-29. doi: 10.1108/02634500510577447

Internal Revenue Service. (2011). Qualified plug-in electric drive motor vehicles (IRC 30D). Retrieved November 22, 2011 from:,,id=214841,00.html
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Business Security Protection in Any Business Organization

Words: 539 Length: 2 Pages Document Type: Essay Paper #: 93103346

Business Security Protection

In any business organization security of the organization is one of the most important factors. There are many different areas where security must be assessed. Some of the ways in which an organization must assess their security are: loss prevention, crime prevention, asset protection, security management, and risk management. In this paper I will discuss the importance of each of these security issues starting with the least important to the most important in the business environment.

Loss Prevention

Loss prevention is an important part of any organization. The business must protect the merchandise from theft. There are many different loss prevention plans and strategies that exist. Creating a plan for emergencies is important, plan for extreme weather conditions, unforeseen employee situations, and theft. A part of the business plan should include contacting FEMA and developing a plan for unforeseen disasters. Conducting an employee background check prior to…… [Read More]


McNamara, C. (2010). Basic Considerations in Risk Management. Retrieved from

Rando, D. (2011). Asset Protection for the Business Owner. Investopedia. Retrieved from 

Wikipedia (2010). Risk Management. Retrieved from
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Businesses Are the Cornerstone of a Capitalistic

Words: 2907 Length: 8 Pages Document Type: Essay Paper #: 47235600

Businesses are the cornerstone of a capitalistic society. Businesses often drive economic growth and overall societal prosperity. In many instances, business can enhance the overall quality of life of those living in civilization. Looking back briefly at history, provides a unique perspective of business as it relates to societal development. Currently, looking at a minimum wage individual living in America today, they are able to perform tasks and activities that many of the wealthiest individuals in society during 1900 could only dream of. The minimum wage individual can watch television, listen to music on a cell phone, use the internet and even control the weather within their vehicle. This has occurred primarily due to the profit incentive embedded in a capitalistic society. The same will occur with Alex, Bill, Carl, Devon, and Xavier as there farm business developments. These same principles are present for all Christians who want their business…… [Read More]


1. Barnet, Richard; Ronald E. Muller (1974). Global Reach: The Power of the Multinational Corporation. New York, NY: Simon & Schuster.

2. Blumberg, Phillip I., The Multinational Challenge to Corporation Law: The Search for a New Corporate Personality, (1993)

3. Cadman, John William. The Corporation in New Jersey: Business and Politics,, (1949)

4. Conard, Alfred F Corporations in Perspective. 1976.
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Business -- Economics Business Expectations and Community

Words: 1059 Length: 3 Pages Document Type: Essay Paper #: 11362088

Business -- Economics

Business Expectations and Community Involvement

Successful businesses bring many things to the communities in which they are located. Because they are successful and profitable they are often admired by most of the people that reside near them. The question at hand is whether these businesses should concentrate less on their maximization of profit and instead use some of their resources to give back to the communities. It would seem as though the answer to this would be a resounding "yes." Unfortunately, not all businesses are willing to do this.

Many businesses only have interest in how much profit they can make. They are not concerned about those around them, and they certainly do not give things back to the community. These businesses fail to realize some things. First of all, by using raw materials and resources from the community, potentially polluting the air of the community if…… [Read More]

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Business Start Up

Words: 1993 Length: 5 Pages Document Type: Essay Paper #: 44581397

usiness Start Up

Small Information System: Profitability of a Website usiness

In any business, the primary objective is to earn profits, and even the smallest business website has to be effective in earning money. In 2002, there was a survey on small business Internet that was conducted by the Verizon of Gallup and they found that as much as 55% of the small businesses on the Web covered their costs, or made money. A significant growth was recorded by 41% of the businesses. Some experts in the business now feel that having a Website is almost like having an electronic business card, and gives many people the first impression about your business. This carries forward to tell the details of appealing, information or transaction, designed for the right target audience, worthy of repeated hits, situation in updating or maintenance, speed and simplicity of loading, developing of the process of…… [Read More]


Gall, John. "Getting Started In Information Technology Computer Consulting" (2004) Retrieved at Accessed on 27 June, 2004

Is Your Small Business Website Profitable?" Retrieved at Accessed on 27 June, 2004

Rincon, Ana. "Online Fraud" Retrieved at Accessed on 27 June, 2004
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Business - Consumer Behavior Customer

Words: 3309 Length: 10 Pages Document Type: Essay Paper #: 81254975

The consequences of even a few dissatisfied customers can be enormous: "Dissatisfied customers turn to competitors; loyal customers spend more, refer new clients, and are less costly to do business with" (Arendt & Harris, 1998, p. 27). The authors point out that because it costs about five times more to gain a new customer than to keep an existing one, and since dissatisfied customers tell at least twice as many friends about bad experiences than they tell about good ones, it is clearly to the small business owner or manager's advantage to seek high levels of customer satisfaction and retention.

According to Gebhardt and Townsend (1990), although the notion that little things can add up to have an enormous positive effect has gained wide acceptance, many companies continue to remain sluggish in their response to the reality that little things can also have an immensely negative impact on a company's…… [Read More]


Arendt, L.A. & Harris, J.H. (1998). Stress Reduction and the Small Business: Increasing Employee and Customer Satisfaction. SAM Advanced Management Journal, 63(1), 27.

Benjamin, S. (1997). Words at work: Business writing in half the time with twice the power. Cambridge, MA: Perseus Books.

Clarke, M.A. (1997). Policies and perceptions of insurance: An introduction to insurance law. Oxford: Oxford University.

Cummins, J.D. & Tennyson, S. (1992). Controlling Automobile Insurance Costs. Journal of Economic Perspectives, 6(2), 96.
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Business Plan This Business Plan

Words: 2186 Length: 8 Pages Document Type: Essay Paper #: 25083552

The Head Pharmacist has worked as a pharmacist in the area for a long time, including at the small pharmacy in the medical clinic near the hospital where many doctors have their offices. As such, he is well positioned to make contacts with those doctors in order to build the reputation of our pharmacy.

Financial Plan

The financial plan will begin with the income statement. There are two main revenue streams, being retail and pharmacy. A third revenue stream within Pharmacy will be the online ordering, whereby customers can order over the eb and have their drugs ready for pick-up, or for delivery via the courier of their choice. Such revenue will be attributed to Pharmacy, and retail products will not be included in these orders.

ith respect to costs, labor costs are expected to reflect the staffing levels. hile there will be as many as 20 staff members, there…… [Read More]

Works Cited:

ACCP. (2008). The definition of clinical pharmacy. Pharmacotherapy. Vol 28 (6) 816-817.

Fein, a. (2006) How pharmacists view Wal-Mart's pricing strategy. Drug Channels. Retrieved November 12, 2012 from 

Hellinger, F. (1995). Any-willing-provider and freedom-of-choice laws: An economic assessment. Health Affairs. Vol. 14 (4) 297-302.

Miles, M. (2011). A research note on market creation in the pharmaceutical industry. The Journal of Business Research. Vol. 64 (7) 723-727.
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Business Planning Canvas Basics

Words: 781 Length: 3 Pages Document Type: Essay Paper #: 69129621

Business Model Canvas

Combative Fighting Systems

Martial arts school that teaches Jeet Kune Do concepts / Kali / Brazilian Jiu-Jitsu

Opened July 1995

Westminster Ave, Westminster, Ca. 90630 (714) [HIDDEN]

Martial art instruction for children through adults.

Mixed Martial Arts (MMA) training, coaching. Physical fitness

Business owner/operator

More info online Google Ken Gabrielson Brazillian Jiu-Jitsu.

"Dirty Dozen," Gracie Jiu-jitsu Black Belts. Combative Fighting Systems.

Fighters trained: John "Machine" Lober

Todd Medina El Tiburon


Key Activities:

Provide mixed martial arts training and coaching, including: Jeet Kune Do concepts / Kali / Brazilian Jiu-Jitsu

Provide an avenue for children and adults to develop physical fitness

Key esources:

"Dirty Dozen," Gracie Jiu-jitsu Black Belts, and Combative Fighting Systems

Superbly trained staff: John "Machine" Lober, Todd Medina, El Tiburon (have I got this right

Facility in Westminster, California

Partner Network:

Chamber of Commerce, Westminster

Mixed Martial Arts Association (MMAFA)

International Mixed Martial Arts…… [Read More]


Osterwalder, A. And Pigneur, Y. (2010). Business Model Generation: A Handbook for Visionaries, Game Changers, and Challengers. New York, NY: Wiley.

The Business Model Canvas Retrieved 

Alexander Osterwalder: The Business Model Canvas. [Video.] Retreived 

How to create your Lean Canvas. LeanStack. Retrieved
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Insurance Sales Using an Independent Sales Force

Words: 386 Length: 1 Pages Document Type: Essay Paper #: 43335738

Insurance Sales

Using an independent sales force vs. A career sales force produces immediate and obvious advantages. Independent salespeople quickly provide more 'feet on the street,' for a company desiring to expand. They are hungry for a commission, unlike more complacent career salespeople with already established salaries and networks within the company's traditional reach. Independent salespeople bring more diverse experiences and an array of new business networks and sales connections originally inaccessible to the company.

The advantages and disadvantages of using commission vs. career sales are also relatively obvious -- the use of commission sales encourages salesmen and women to use high-pressure sales techniques to secure their salaries. However, this also encourages a high turnover rate and low company loyalty, as salaries are not secure. Fly by night rather than respectable individuals are attracted to the workforce. But career salespeople with built-in salaries tend to stick to their territories, as…… [Read More]

Resources conflict remains unresolved, independent contractors continue to be used to meet the increased demand within the industry.
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Business Cross Cultural Communication Cross

Words: 1331 Length: 4 Pages Document Type: Essay Paper #: 68668525

Generational issues, while seemingly the obvious hindrance to a smooth flow of production, are, as Tulgan offers (198), "merely a reflection of the business issue at play - transition to the workplace of the future."

However, that said, the one pivotal / key sentence Tulgan offers, also on page 198, is very straight to the point, on the money, and a salient theme Charlie should launch in order to save his job, and the jobs of most people under his jurisdiction. "Charlie must get things back on track and restore harmony by getting people focused on mission instead of personality."

The 10 points Tulgan offers are all very cogent and wise; however, Charlie doesn't really have time to implement all those ideas. Gloria egalbuto, with Bath & Body Works, offers some common sense solutions, as do Diedra Wager, Pat Crull, and others. But Judy Corson hits the nail on the…… [Read More]


Zemke, Ron; & Raines, Claire; & Filipczak, Bob. Generations at Work: Managing the Clash of Veterans, Boomers, Xers, and Nexters in Your Workplace. New York:

Amacom, 2000.
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Business Law Berkeley Premium Nutraceuticals

Words: 2742 Length: 8 Pages Document Type: Essay Paper #: 20041024

The grand jury returned a 112-count indictment against Steve Warshak, company president; his mother, Harriet Warshak; general counsel Paul Kellogg; and former employees Charles Clarke Jr., Steven Pugh and Amar Chavan. A company called TCI Media, which was allegedly used to launder money, was also part of the indictment. The charges include 77 counts of money laundering, 12 counts of mail fraud and four counts of bank fraud (Berkeley president, others indicted for fraud, 2006).

After the Grand Jury indictments were handed down The U.S. Attorney's Office in Cincinnati filed a new complaint against Berkeley Premium Nutraceuticals that included the freezing of various assets worth almost $2 million. The complaint alleged that Berkeley owner Steven Warshak and others participated in a complex, large scale mail and wire fraud operation. This amounted to another felony charge being added to the long list that had already been handed down. The frozen assets…… [Read More]


1. Berkeley Nutraceuticals files for Chapter 11 bankruptcy. (2008). Retrieved June 10, 2009, from Business Courier Web site:

2. Berkeley Premium Nutraceuticals, Inc. (2009). Retrieved June 10, 2009, from Business Courier

Web site:
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Business This Report Recommends Online Inc 's Relocation

Words: 761 Length: 3 Pages Document Type: Essay Paper #: 73598742


This report recommends Online, Inc.'s relocation from San Francisco to Dallas. There are substantial savings in the major components of operating costs including office space, labor, and overhead. Exhibit 1 contains a breakdown of the estimated annual operating costs for Dallas which totals just $3,253,373. abor and overhead will be approximately $433, 836 lower in Dallas with other savings potential coming from very inexpensive office space and lower tax rates. Also, the quality of life is very attractive to Online as a corporation and to its employees.

Data has been gathered from a variety of sources to calculate the cost of office space, replacement labor, and overhead. The findings show potential savings across all categories. First, the total cost of meeting Online's square footage requirements for sales office, manufacturing, and warehousing is only $148,000. Dallas is currently experiencing a tenant's market and offers many affordable options for renting space.…… [Read More]

Labor Cost Differential, San Francisco and Dallas

Average labor rates provided by Private Industry and State and Local Government, National Compensation Survey. Labor rates for San Francisco are average rates, not Online's actual costs.

Dallas Economic Development Division, Available: (Accessed 2 -- 3, March 5).
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Insurance Policies the Tragic Circumstances

Words: 2288 Length: 8 Pages Document Type: Essay Paper #: 88452607

However, as Schwarcz notes, the reasonable expectations doctrine fails in practical use for several reasons. hie th doctrine may have widespread support from insurance law commentators, "Only a handful of state courts follow the rule, and the case law endorsing it is confused and inconsistent. Moreover, contract law scholars have largely debunked the contracts-of-adhesion argument on which the reasonable expectations doctrine was originally justified. They have established that neither consumer assent nor government regulation is necessary to lead firms to design efficient standard forms when market forces work sufficiently well" (Schwarcz para. 5). Because the doctrine has a record of stunted evolution in the courts and because there has been an academic undermining of its core rationale, many view it to be both antiquated and largely irrelevant. Still, the reasonable expectations doctrine has served as the primary theoretical and doctrinal construct for the judicial regulation of insurance over the past…… [Read More]

Works Cited

Chu, Kathy. "State Farm Agrees to Pay Up for Katrina in Mississippi." USA Today (23 Jan 2007). August 11, 2007.

Hartwig, Robert P. "Hurricane Katrina Insurance Issues: Robert P. Hartwig." Congressional Testimony (28 Feb 2007). August 10, 2007.

Homeowners Drop Insurance After Katrina." Associated Press/AP Online (19 March 2007). August 10, 2007.

Hurricane Katrina Victims Denied Insurance Claims." Insurance Related News (08 March 2007). August 11, 2007.
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Insurance Company Customer Care Center

Words: 545 Length: 2 Pages Document Type: Essay Paper #: 93268246

While it could also be accomplished in group training formats, that approach is much less flexible with respect to accommodating corporate cultural nuances (George & Jones, 2008; obbins & Judge, 2009).

The optimal implementation of customer service training would comprise various stages, all of which would be conducted on-site. The first stage would be orientation; it would consist of a direct guided observation of Citizen's customer service call center agents handling communications. The observation would be guided in the sense that trainers will provide narrative guidance followed by the opportunity to connect that narrative to the actual performance of existing call center representatives.

That stage would be followed by direct one-on-one observation whereby representatives in training observe trainers conduct actual customer service interactions. The calls are discussed and the trainee takes actual calls under the supervision of the trainer. In the last stage, the trainee is allowed to perform a…… [Read More]


George, J.M. And Jones, G.R. (2008). Understanding and Managing Organizational

Behavior. Upper Saddle River, NJ: Prentice Hall.

Robbins, S.P. And Judge, T.A. (2009). Organizational Behavior. Upper Saddle River,

NJ: Prentice Hall.
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Insurance Summary as Insurance Companies Go the

Words: 524 Length: 2 Pages Document Type: Essay Paper #: 27375374

Insurance Summary

As insurance companies go, the particular organization that was the subject of this study -- i.e. The place of employment for the team members involved in the research and analysis -- was fairly standard. Several different departments existed in one large room of cubicles in a building owned and wholly occupied by the company, several other departments existed in separate rooms and executives offices were on the top of the third floor building. This physical structure of the organization largely reflected the organizational structure of authority and decision making power, with this power very much concentrated at the top and command highly centralized. Though this is not generally the recommended structure for organizations involved in many industries, and particularly for manufacturing concerns that deliver more tangible products to consumers, this top-down organization and high degree of rigid hierarchy actually seems to serve the organization fairly well in many…… [Read More]


Advameg. (2011). Problem solving styles. Accessed 21 February 2011. 

Kotelnikov, V. (2011). Flat organizational structure. Accessed 21 February 2011.
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Business Human Resources and Worker

Words: 4673 Length: 15 Pages Document Type: Essay Paper #: 33674572

S. jobs, or approx. 25% of its employees, overseas by end of 2004. The plan is to ultimately move EVERY job that supports an internal account. I also hear they are behind schedule at the moment.

Certainly, this is a very significant proportion of the computer giant's American workforce. Yet, IBM's management justifies such drastic demographic changes by appealing to the humanitarian side of the globalization debate.

It's not about one shore or another shore," an I.B.M. spokeswoman, Kendra R. Collins, said. "It's about investing around the world, including the United States, to build capability and deliver value as defined by our customers.

And to further emphasize their socially-redeeming values,

Executives at I.B.M. And many other companies argue that creating more jobs in lower cost locations overseas keeps their industries competitive, holds costs down for American consumers, helps to develop poorer nations while supporting overall employment in the United States…… [Read More]

Works Cited

About IBM." (No Date). URL:


Brotherton, Phaedra. "Meyners Pays for Performance: Changing a Compensation System Is a Sensitive Undertaking. Here's How One Firm Handled it." Journal of Accountancy 196.1 (2003): 41+.

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Business Quality Improvement Tools Six

Words: 1603 Length: 5 Pages Document Type: Essay Paper #: 5680681

There are a variety of techniques utilized for quality improvement, each with its own characteristic role in the completion of the procedure as a whole (Methods for Quality Improvement, 2010).

Product improvement is one of the major methods used. The proposal behind this is that the more goods that are improved, the better they will sell. As time progresses, so do significant features of customer approval. Consumers anticipate the essential alterations to be made and will keep making purchases from a particular corporation if their offers change right along with everything else. Enhancements are therefore made to goods that facilitate them to be prepared with the latest features and basics that will help them persist to sell (Methods for Quality Improvement, 2010).

Process improvement is an additional significant aspect of quality improvement. This technique covers the procedures utilized to carry out everyday business operations. This can be everything from the…… [Read More]


Just in time production (JIT). (n.d.). Retrieved December 4, 2010, from Tutor2U Web site:

Methods for Quality Improvement. (2010). Retrieved December 4, 2010, from Aveta Business Institute Web site:

Six Sigma. (2010). Retrieved December 4, 2010, from TopBits Web site: 

Statistical Six Sigma Definition. (2010). Retrieved December 4, 2010, from Web site:
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Business Plan for a Sleep

Words: 8375 Length: 30 Pages Document Type: Essay Paper #: 84888867

Offered under the same roof are "consultative, diagnostic, and treatment services" which are stated to be provided "by board-certified practitioners in the fields of pulmonary medicine, otolarngology, family medicine and more." (2006)

Smith reports that the laboratories experiencing the most dramatic growth are two which are located the "farthest from the Hillsboro flagship" as they are located in two areas that were "formerly underserved." (2006) Smith additionally reports that the demand is stronger in the areas where the two fastest growing centers are located which supplies "plenty of fuel for expansion."

Smith states that the Sleep Health & Wellness NW is attempting to "fill a gap so that patients who previously were overlooked or not being reached or who fell through the cracks no longer are," she says. "We have no plans to open centers in areas where there are already quality sleep services programs. We only want to go…… [Read More]


Inspiration! Sleep Study Results & Analysis (2006) Q&a with Ron Richard, senior vice president of strategic marketing initiatives at ResMed HME Business April 2006. Online at

Johnson, Duane, PhD (2008) Are you Really Managing Your Sleep Lab? The Business of Sleep. Focus Journal May/June 2008. Online at 

Kay DC, Pickworth WB, Neider GL. Morphine-like insomnia from heroin in nondependent human addicts. Br J. Clin Pharmacol. 1981;11(2):159-169

MacFarlene, James (2009) the Painful Pursuit of Sleep. Sleep Review Journal Jan/Feb 2009. Online available at
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Business - RFID Radio Frequency

Words: 1225 Length: 4 Pages Document Type: Essay Paper #: 75420838

Moreover, FID technology has proven useful in other respects, such as ensuring the proper temperature of frozen and refrigerated goods in transit and even by facilitating the coordination of emergency supplies during disaster responses on the part of the federal government (Gordon, 2006).

In fact, the ability of FID to monitor other variables besides geographical location suggests additional valuable applications such as the incorporation into manufacturing processes. For example, (as in the case of transporting refrigerated goods), temperature can be monitored and adjusted automatically, improving the quality and safety of everything from crucial medical supplies to pop tarts.

Furthermore, potential cost savings provided by FID technology transcend the realm of production and supply chain management. Shippers can monitor compliance on the part of their truckers with speed limits and route restrictions, thereby saving additionally on the cost of insuring their employees and equipment, by virtue of the increased ability that…… [Read More]


Byrne, P.M. (20041). Supply chain RFID: Lessons from a leader; Logistics Management, Vol.43, No. 5, May/04 (31-2).

Byrne, P.M. (20042). RFID: Not just for Wal-Mart anymore; Logistics Management, Vol.43, No. 9, Sep/04 (31-2).

Chatur, a.A. (2006). Driving costs out of the supply chain: Inbound logistics; Infosys.

Gordon, B. (2006). Outsourcing: What's the next big trend? A wave of supply chain governance; Canadian Transportation Logistics, Nov/Dec Vol. 109, No. 11 (75).
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Business Creativity Many Times People

Words: 1074 Length: 3 Pages Document Type: Essay Paper #: 60460932

It is only after the organization has lost its market share that it realizes the importance if employee creativity. Successful organizations have always known that to improve and increase their competitive position they need to value their employees and encourage them to be creative. This way the organization is better placed to provide its customers with the services and products they demand Epetimehin, 2011()

The importance of creativity in improving the workplace performance is not as many people believe to be a novel idea. Allowing employees to be creative in their problem solving has been shown to improve employees' problem solving abilities and increase their productivity. The question that organizations should ask is what the importance of creativity to its business is and will creativity improve its competitiveness in the market. The answer to these questions will allow the organization to see the benefits it can reap by allowing its…… [Read More]


De Miranda, P.C., Aranha, J.A.S., & Zardo, J. (2009). Creativity: people, environment and culture, the key elements in its understanding and interpretation. [Article]. Science & Public Policy (SPP), 36(7), 523-535.

Epetimehin, F.M. (2011). Achieving Competitive Advantage in Insurance Industry: The Impact of Marketing Innovation and Creativity. [Article]. European Journal of Social Science, 19(1), 123-127.

Junarsin, E. (2009). Creativity and Competitiveness. [Article]. Globalization (15359794), 8(1), 1-13.
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Insurance Answers to Basic Questions

Words: 656 Length: 2 Pages Document Type: Essay Paper #: 63189466

All workers in the United States are covered by the Workers' Compensation Law. When an employee dies or becomes injured while working, the worker's compensation law requires that worker's compensation insurance be paid to the person or his or her surviving spouse and/or dependents. The insurance only applies to injuries and disabilities related to one's job ("What is Worker's Compensation?" 2008) Liability insurance, on the other hand, simply protects a firm from being held responsible for the other party's losses -- whether financial, physical, or otherwise. Liability insurance, unlike worker's compensation insurance, is not required by law ("What is Liability Insurance" 2008).

Occurrence claims policies and claims-made policies are two kinds of liability insurances that can be purchased by an individual or small company. Occurrence claims policies require insurance companies to pay for claims that occur during the period of coverage, regardless of when the claim occurred, while claims-made policies…… [Read More]


Choosing the Right Health Plan for Your Employees. 2008. Retrieved August 8, 2008, from Find Law Web Site:

How Does Insurance Work. (n.d.) Retrieved August 8, 2008, from Super Pages Web Site:

Managed Health Care Plans 2008. Retrieved August 8, 2008, from American Heart

Association Web Site:
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Business Ethics Wal-Mart But We Do Give

Words: 570 Length: 2 Pages Document Type: Essay Paper #: 3442627

Business Ethics

"Wal-Mart: But we do give them a 10% employee discount" reveals a highly quantitative standpoint, by pointing out the facts behind Wal-Mart's management of its human resource. The editor places an increased emphasis on revealing years, amounts, facts and figures and all these are intended to provide a clear image to the reader. Additionally, they are intended to preserve the objectivity of the authors in presenting the situation at the company.

Aside from the vast integration of facts and quantitative data, the author nevertheless presents the details of Wal-Mart's numerous ethical issues. For instance, the company asks the employees to work longer hours, which are unpaid; the employees will often be given tasks to complete right before the end of the shift, and will have to complete the job during unpaid overtime.

Then, the company is also blamed for discriminating against its employees. The more relevant examples in…… [Read More]


Case study: Wal-Mart: But we do give them a 10% employee discount
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Business Ethics Defining Business Ethics

Words: 602 Length: 2 Pages Document Type: Essay Paper #: 62186287

S. (Krishna, Kelleher, Stahlberg, 2007). The second most critical ethical dilemma impacting healthcare insurance providers continues to be ratings of physicians and the assessment of their skill sets over time (Labig, 2009). As healthcare providers pay fees specifically on the performance levels of physicians their levels of performance need to be accurately and ethically assessed (Labig, 2009). The argument many patients have is that given the very high level of variation in performance of healthcare providers, often the premiums paid do not correspond to the level of service given. This is one of the arguments against nationalized healthcare as there are many who feel that provider quality will not be enforced and quality of care will suffer. The third most pressing ethical issue from a healthcare provider's standpoint is the reliance on metrics of performance, or balanced scorecards that can quantify the level of compliance over time for a given…… [Read More]


Susan Dorr Goold (1998). Money and trust: Relationships between patients, physicians, and health plans. Journal of Health Politics, Policy and Law, 23(4), 687-695.

Ana Smith Iltis. (2001). Organizational Ethics and Institutional Integrity. HEC Forum, 13(4), 317-328.

Rajeev Krishna, Kelly Kelleher, & Eric Stahlberg. (2007). Patient Confidentiality in the Research Use of Clinical Medical Databases. American Journal of Public Health, 97(4), 654-8

Labig, C. (2009). Bad Measures Don't Make Good Medicine: The Ethical Implications of Unreliable and Invalid Physician Performance Measures. Journal of Business Ethics, 88(2), 287-295.
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Business Trend Proposal -- Correspondence

Words: 544 Length: 2 Pages Document Type: Essay Paper #: 38676955

At this point, it seems advisable to consider incorporating the same technology in all vehicles insured by our organization. Doing so would allow incident and loss investigators to accurately asses the precise factors responsible for losses, to confirm and verify the information provided by the insured, and to more accurately establish the basis of allocating fault based on objective data that indicates exactly what factors are responsible for losses. Moreover, the real-time capabilities of the GPS technology systems that are currently available for these types of applications would also allow the continual monitoring of driver behavior for compliance with vehicular traffic laws as well as for the purpose of confirming other pertinent information upon which policy terms and pricing are based. In the event of an incident and a covered loss, the information provided by these systems is invaluable.

Adoption of the GPS-based technology systems for use in conjunction with…… [Read More]

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Business Law Standford Engineering and

Words: 725 Length: 2 Pages Document Type: Essay Paper #: 12977246

A burned wall collapses onto a crane which falls and injures Flo, a bystander.

Issue -- on what legal grounds could Flo recover damages from Dan.

Legal Issues -- Clearly, Dan was the actus reus, or specific instrument of an action in which other events flowed. It is not just Flo that can recover damages, but the gas station, the construction company and/or tenant, and the owner of the crane. While Dan did not plan the actions, he was liable for deliberate conduct regarding the events; he was reckless in that he knew (we assume he has passed a valid driver's test) that one should not leave a vehicle running and without an emergency brake.

Discussion -- Negligence is a breach of conduct or a failure to take reasonable care, intention or not. ecklessness means that the person was deliberate and aware of their actions, not necessarily the consequences. eckless…… [Read More]


Clarkson, K., (2006). West's Business Law: Text and Cases. Mason, OH: Thompson

Higher Education.
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Business Law During the Consumer Movement of

Words: 1307 Length: 4 Pages Document Type: Essay Paper #: 49860033

Business Law

During the consumer movement of the 1960s and 1970s, Congress enacted a substantial amount of legislation to protect "the good of the people." There is only one problem with consumer protection laws -- they are slow to react and even harder to enforce. As a result of this situation, corporations are allowed to profit at the expense of consumers' health. The resistance comes in a number of stages. The first is denial of the problem, wherein the corporations argue that there is not enough evidence to link their products with the negative outcomes that are being reported. Then there is the lobbying that causes politicians to defer action until a later date, or ignore the call to action altogether. Too often, when statutes are enacted, corporations fight them to the end, resulting in flawed legislation that either has loopholes, require interpretation from the judicial branch or is difficult…… [Read More]


Bray, G., Nielsen, S. & Popkin, B. (2004). Consumption of high-fructose corn syrup in beverages may play a role in the epidemic of obesity. The American Journal of Clinical Nutrition. Vol. 79 (4) 537-543.

Goldberg, C. & Zimmerman, R. (2011). What's making us fat? Researchers put food additives on suspect list. Common Health. Retrieved April 11, 2012 from 

Hellmich, N. (2009). Rising obesity will cost U.S. health care $344 billion a year. USA Today. Retrieved April 11, 2012 from

Miller, R. & Jentz, G. (2010). Business law today: 9th edition. South-Western/Cengage Learning.
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Business Management -- Human Resource

Words: 570 Length: 2 Pages Document Type: Essay Paper #: 32488940

Similarly, while giving the employee involved in the altercation an opportunity to explain his side of things is a necessary formality, I would not expect this step to reveal any information that is useful or helpful to understand the situation. I would actually place much greater trust in the information disclosed by coworkers, especially those who were not directly involved in any specific incidents but who work closely enough with the individuals involved to shed a more objective light on what happened and what factors or behaviors they have observed that contributed to the problem. In that investigation, I would stress that their input would remain confidential to ensure their cooperation without fear of reprisal from the individual at issue.

Response to Aneka

With respect to the lateness issue, I would be much more interested in the information from the interview with the manager about how clearly he has explained…… [Read More]

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Business Before Referencing Tzu Sun The Art

Words: 804 Length: 2 Pages Document Type: Essay Paper #: 20184391

Business Before Referencing

Tzu, Sun. The Art of War. Forward by James Clavell. New York: Hodder & Stoughton Ltd.,

What does an ancient Chinese classic about the nature of a now-obsolete form of warfare have to teach us, in modernity, about how to manage others and navigate the current business environment? A great deal, The Art of War's presence in many business class syllabuses would suggest. Indeed, certain aspects of The Art of War by Sun Tzu seem even more relevant today than in the past. How to combine moral authority with fierceness and tenacity in an increasingly competitive environment is a challenging question faced by many organizations.

One of the first principles stressed by Sun Tzu is the need for a leader to follow a moral law, what we might call a vision statement in modern business vocabulary. It is not enough for a leader to command and reward,…… [Read More]

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Business Process and System Management

Words: 3432 Length: 8 Pages Document Type: Essay Paper #: 28693159

usiness Process and System Management


Home loan in the United States is now done in a very simple manner and some organizations now even have stated on the Internet that most of the paperwork can be done on the Internet.

The importance of paperwork is gradually giving way to communication via the Internet, and any organization which keeps on doing business in the classical way is bound to come to grief later.

First national ank of St. Louis was seen in the Internet, but that bank did not seem to have the archaic system that has been described here. The housing loans in United States are of two types. The first type is the mortgage loan that is used for the original part of buying the house. The second loan is for the repayment of loans concerned with housing or for any other purpose. This is subsidized by the…… [Read More]


1. "Partnering with Third Federal" Retrieved at Accessed on 12/14/2003

2. "Federal Home Loan Bank of Atlanta FHLBA" Atlanta, GA, 30309; 1.800.536.9650

Retrieved at

3. "First National Bank of St. Louis" 2002; Member FDIC. An Equal Housing Lender;
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Business Law and Labor & Employment Law

Words: 1008 Length: 3 Pages Document Type: Essay Paper #: 42206595

Business and Employment Law

Business Law and Labor & Employment Law

Employees are classified in different categories. Federal and state law does not explicitly define the categories, but employers generally categorize employees on the basis of duties performed, number of hours worked, and duration of job. Accordingly, employees fall in three main groups: permanent (full-time), part time, and temporary employees (PayScale, 2009). A permanent employee is an employee who works a typical work week for an indefinite duration, while a part-time employee works fewer hours than the typical work week. Temporary employees may work full-time or part-time, though for a definite period of time. Though federal law does not define the above categories, the Fair Labor Standards Act (FLSA) classifies employees as either non-exempt or exempt employees (Society for Human esource Management [SHM], 2014). The former denotes employees whose work is covered by FLSA and who are subject to overtime…… [Read More]


Bennett, H. (2014). Principles of the law of agency. New York: Bloomsbury Publishing.

Busch, D., Macgregor, L., & Watts, P. (2016). Agency law in commercial practice. Oxford: Oxford University Press.

Equal Employment Opportunity Commission (EEOC). (2009). Federal laws prohibiting job discrimination questions and answers. Retrieved from 

Munday, R. (2010). Agency: law and principles. Oxford: Oxford University Press.
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Business Communications Ali Berro Exercise

Words: 544 Length: 2 Pages Document Type: Essay Paper #: 90632897

Catherine's Hospital and it is the desire of the human resource department to help you in any way possible. This is not a situation that is a happy one for anyone involved.

I have investigated what can be done, and unfortunately, there is not a lot that we can do to get the insurance company to pay the bill. The operation took place in an out-of-network hospital, and the HMO plan which you chose when joining our company does not cover out-of-network procedures. The plan does offer two alternatives, unfortunately you chose neither one.

There are, however, a number of different options that are available to you at this point. One of the options is to explain to the hospital what happened, and see if there is a possibility of setting up some type of payment plan. We have worked with this hospital's financial department and they are very cooperative…… [Read More]

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Business Healthcare Reform at the

Words: 1673 Length: 5 Pages Document Type: Essay Paper #: 57306194

Maybe for some things are well enough, but for most Americans they are far from it. Most Americans spend their days worrying about being just one layoff away from joining the 50 million other men, women and children in the ranks of the uninsured. The average household income in this country is just about $50,000. This means that most people are not in a position to pay a fourth of their family's annual income, before taxes, just to cover health insurance premiums. More and more people face paying thousands more of our hard earned dollars in out-of-pocket expenses before the coverage we pay so dearly for actually kicks in (ichard, 2009).

In the past many Americans who have been enrolled in employer-sponsored health insurance plans have been able to rely on their employers to pay the biggest share of the premiums, but the truth is that fewer and fewer Americans…… [Read More]


Benefits of Health Reform. (n.d.). Retrieved February 19, 2010,from Organizing for America

Web site:

Doctors Debate Universal Health Care: Pros and Cons From the Experts. (2010). Retrieved

February 19, 2010, from Organized Wisdom Web site:
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Business of Health Care

Words: 2602 Length: 8 Pages Document Type: Essay Paper #: 85234356

Business of Health Care

This study highlights essential facts about health care and health in the local, national, and international health care delivery. Healthcare in the U.S. stands at crossroads between opportunities and challenges. Both the local, national, and international health systems face common problems in the delivery of efficient, high quality and equal health services. All these are concurrently happening in times when the amount of care delivered exceeds the resource base. In the U.S., the demand for healthcare, just as in any industrialized country, is rising because of rising public expectation and the ageing population. The combination of technological developments and demographic changes increases the provision costs (Garman, oyer & Johnson, 2011).

Consequently, local, national, and international health care delivery systems are facing same issues of service rationing to cut costs due to a decreasing tax base for paying a rising demand and an increasing demand. Similarly, maintaining…… [Read More]


Garman, A.N., Royer, T.C., & Johnson, T.J. (2011). The future of healthcare: Global trends worth watching. Chicago, Ill: Health Administration Press.

Geisler, E., Krabbendam, K., & Schuring, R. (2013). Technology, health care, and management in the hospital of the future. Westport, CT: Praeger.

Gibson, R., & Singh, J.P. (2012). The battle over health care: What Obama's reform means for America's future. Lanham, Md: Rowman & Littlefield Publishers.

Kolker, A. (2011). Management engineering for effective healthcare delivery: Principles and application. Hershey: Medical Information Science Reference.
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Business Research Sources of Funding Payment

Words: 1304 Length: 5 Pages Document Type: Essay Paper #: 98343329

In the context of the sleep/rest support systems the integration of patient monitoring systems is a major market opportunity. A second key technological development is the adoption of lean manufacturing techniques in this industry. The use of Kanban manufacturing, demand-driven manufacturing, and distributed order management and supply chain optimization systems are all fueling the level of innovation occurring in this market. In addition to all these factors, the medical products industry is experimenting with Six Sigma manufacturing practices with offshore manufacturing partners to further reduce costs. These cost reductions are significantly impacting the industry's ability to invest even more into R&D and speed up the product lifecycles that set the pace of the entire global medical products industry. A third factor of technological innovation is the investment manufacturers are making in virtual instrumentation and its use to create combined monitoring and preventative assessment analysis. For medical products manufacturers of sleep/rest…… [Read More]

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Business Human Resources Human Resource Management

Words: 2632 Length: 10 Pages Document Type: Essay Paper #: 33469714

Whether it is an accredited course or in house training seminars. Therefore, it is very beneficial, especially in today's competitive business world.

Co Worker One: I personally don't feel it is beneficial to me. My field is not related with any financial fields so the Credit Union will not pay to further my education.

Co Worker Two: The course of work for which I would like to attend is neither an approved college level course, nor towards any degree program. Therefore, the Credit

Union will not pay, so no, it is not beneficial to me.

Mary: How do you impact the Human Resources Policy?

Khema Kent, Operational Manager: As far as HR concerns, we have no impact since there is no suggestion box available.

Co Worker One: I don't feel I do.

Co Worker Two: I would like to try to persuade our HR Department to set up a suggestion…… [Read More]

Society for Human Resource Management

Washington Telephone Federal Credit Union Employee Handbook
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Business Using Gelso 2006 Harlow

Words: 16758 Length: 60 Pages Document Type: Essay Paper #: 35830950

esearchers have an occasion to further organizational science and to make research practical by producing information that can impact changing organizational forms and circumstances. Pragmatically, academic researchers are not likely to get access to a company that is going through change unless the practitioners believe the research will be helpful (Gibson & Mohrman, 2001).

There have been a number of calls to augment the significance and effectiveness of organizational science to companies. The usefulness challenge cannot be defined merely as getting practitioners to value and include what academics learn. It is believed that the usefulness of research depends, somewhat, on the degree to which the perspectives of organization members are incorporated in research procedures and the results are included into those members' organization design activities that take place as their company adjusts to its changing environment. esearch is more likely to be seen as useful if there are occasions for…… [Read More]


Committee on Science, Engineering, and Public Policy (U.S.), National Academy of Sciences

(U.S.), National Academy of Engineering & Institute of Medicine (U.S.). (2009). On

being a scientist: A guide to responsible conduct in research, (3rd ed.). Washington,

D.C.: National Academies Press. Retrieved from:
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Business - Management Internal Analysis and SWOT

Words: 1613 Length: 5 Pages Document Type: Essay Paper #: 27993584

Business - Management

Internal Analysis and SWOT Analysis

Southwest has been a major inspiration to other low-cost carriers, and its business model has been used many times worldwide. The competitive strategy that they use joins high levels of employee and aircraft productivity with low unit expenses by reducing aircraft turnaround time predominantly at the gate (Bamber, Gittell, Kochan, & von Nordenflytch, 2009). When doing an internal analysis and SWOT Analysis it is important to look at a company's tangible and intangible resources.

Southwest Airlines has tangible resources of financial resources, physical resources and human resources. In 2099, Southwest Airlines had revenues over ten million dollars. They are the largest airline in the world by boarded amount of originating passengers boarded. They are the third-largest passenger fleet of aircraft amid all of the world's commercial airlines. They have carried more passengers than any other U.S. airline since August 2006 for shared…… [Read More]


Bamber, G.J., Gittell, J.H., Kochan, T.A. & von Nordenflytch, A. (2009). Up in the Air: How

Airlines Can Improve Performance by Engaging their Employees. Retreived from

Beyman, Michael J. (2011). What Kind of Planes Does Southwest Airlines Fly? Retrieved from 

Fact Sheet. (2010). Retreived from
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Business Management - Leadership Comparing

Words: 1019 Length: 4 Pages Document Type: Essay Paper #: 32475835

Within this leadership framework, leaders motivate employees by directly promoting and modeling the desired personal commitment to the organization in a manner that often transcends the boundaries of the vocational environment. Instead of viewing their employment as merely an occupation or a quid pro quo arrangement, employees within a transformational organizational culture incorporate elements of their employing organization into their personal psychological orientation. In that regard, the mission, goals, and values of the organization become part of the employee's persona in a manner that often generates much higher levels of personal commitment than purely transactional leadership schemes.

Typically, transformational leadership relies on social rituals that encourage the melding of personal identity and organizational values and objectives. For this reason, transformational leadership style is most suitable for sales staff, because the clarity of organizational goals of increasing revenue are directly related to the specific efforts of employees (ass, 1997; ass &…… [Read More]


Bass, B. (1990). "From Transactional to Transformational Leadership: Learning to Share the Vision" Organizational Dynamics, (Winter, 1990).

Bass, B. (1997). "Does the Transactional/Transformational Leadership Transcend Organizational and Motivational Boundaries" American Psychologist, 52.

Bass, B. And Steidlmeier, P. (1999). "Ethics, Character, and Authentic Transformational Leadership Behavior." Leadership Quarterly, 10.
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Business US Has Faced Acute Economic Crisis

Words: 946 Length: 2 Pages Document Type: Essay Paper #: 69131532


US has faced acute economic crisis since 2008. Present economic crisis started from the downfall of housing sector which lead to the financial crisis such as bankruptcy of Lehman rothers (at that time fourth largest investment bank in the U.S.A.) and bankruptcy of largest insurance in world, the AIG (which were later saved by introducing bailout packages by U.S. government) which further collapsed production and unemployment plummeted. It is usually termed that it is the worst economic crisis since the Great Depression. (Moseley, 2009)

Even though Fed Reserve claims, the crisis has averted to some extent but the problems of unemployment, recession and inflation still prevails in U.S. economy.

According to U.S. ureau of Labor Statistics, the unemployment rate staggers to an amount of 8.3% in February 2012. Similarly, U.S. ureau of Labor Statistics also shows that consumer price index is on upward swing in 2012. Recent wave of…… [Read More]


Council on Foreign Relations . (2011, July 25). IMF Report on U.S. Fiscal Policy. Retrieved from Council on Foreign Relations:

Economic Crisis. (2012, March 27). Bernanke says U.S. job market weak despite gains. Retrieved April 2, 2012, from EconomicCrisis.U.S.:

Moseley, F. (2009, April). The U.S. economic crisis: Causes and Solutions. Retrieved from ISR:

News Sources. (2011, October 13). Roubini: Occupy Wall Street is a symptom of the economic malaise facing the world. Retrieved from War in Context:
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Businesses Engaged in the 'Transfer

Words: 3950 Length: 13 Pages Document Type: Essay Paper #: 83618278

In contrast with the mutual funds, 'Mutual funds trade hundreds of stocks in many unrelated industries, with very little of the total portfolio in any single stock. By contrast, when a company expands into a new area, its portfolio consists of two stocks, typically 90% in the core operation and 10% in the new businesses' (Tirole, 2005). The diversification in majority of the cases is responsible for lower return and maximal risk factor. esearchers have observed that there is possibility of higher failure rates and lower returns for unrelated acquisitions than for related acquisitions. When the company acquires businesses in their own industry, it is observed that lowest failure rates and highest returns phenomenon occur. The reason why the diversification into unrelated business is considered to be risky is that the corporate is unfamiliar about the industry itself, and therefore the corporate is likely to overlook critical risk factors during…… [Read More]


Montgomery, C.A. Corporate Diversification. Journal of Economic Perspectives. 1994. pp. 165

Tirole, J. The Theory of Corporate Finance. Princeton University Press. 2005

Yang, L. What Has Motivated Diversification: Evidence from Corporate Governance? 2005.

Uner Kirdar and Leonard Silk. People: From Impoverishment to Empowerment. Oxford University Press. 1995.
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Business Management the Davis Beacon

Words: 2209 Length: 7 Pages Document Type: Essay Paper #: 73925113

When the Davis-Beacon Act was developed it was established in order to stabilize the construction industry as well as promote fair wages. The way that the Davis-Beacon act is interpreted today in regards to prevailing wages, they tend to drive the price of the labor up unnecessarily causing tremendous expenses for the government. It also tends to promote unemployment because of the high price of the labor while discriminating against minorities in the construction industry. This act needs to be looked at again and amended so that it is more appropriate for today's times. Government expenses are at an all time high and having this act adding to those expenses is unnecessary. The act needs to be revised as to make free market competition available in the construction industry when it comes to government contracts. This would help to eliminate the excessive spending, the unemployment and the discrimination that is…… [Read More]


Contracts for materials, etc., exceeding $10,000; representations and stipulations. (n.d.).

Retrieved June 30, 2009, from Cornell University Law School Web site:

Davis-Bacon and Related Acts. (n.d.). Retrieved June 29, 2009, from U.S. Department of Labor
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Business Product Liability and Assumption

Words: 1880 Length: 6 Pages Document Type: Essay Paper #: 91351892

... If gun manufacturers are responsible for violence, why not the makers of the steel used in the guns?" (Levy, 2004, p. 80)

The application of the principles of assumption of risk and product liability to incidents that are ever more removed from the ideal usage of the product or service eventually creates a situation in which all are liable for everything and everyone.

The notion of choice upon which assumption of risk original rests is lost if individuals are no longer free to exercise any discretion in the usage of products and services. Yet, in today's climate, businesses must be more aware than ever of the potential liabilities of the products they sell and the services they offer. The bungee jump operator, the auto manufacturer, or the operator of textile mill or coal mine, must be up front about any and all potential dangers involved in the use of…… [Read More]


Clinard, M.B. (1990). Corporate Corruption The Abuse of Power. New York: Praeger Publishers.


Dewees, D., Duff, D., & Trebilcock, M. (1996). Exploring the Domain of Accident Law: Taking the Facts Seriously. New York: Oxford U.S..
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Business Construction Subcontractors Problems and

Words: 3765 Length: 15 Pages Document Type: Essay Paper #: 10287717

If rejected, the subcontractor can at least feel that the choice was a fair one - that her or his organization was not perfectly suited to the job at hand. If selected; however, a potentially long-lasting relationship is created, one that is based on mutual trust, shared goals, and a feeling of true partnership.


Numerous potential problems exist in the main contractor/subcontractor relationship. These problems range from subcontractors' lack of understanding of the work (or main contractor's inability to explain it) through to subcontractors' lack of skills, size necessary to take on the project, financial difficulties, and lack of feeling that there exists any kind of joint effort or partnership between the main contractor and subcontractor. Any one of these difficulties might lead to delays, cost overruns, poor workmanship, or even outright failure within the context of the project. The foregoing study is designed to discover which concepts are…… [Read More]


Applebaum, H. (1999). Construction Workers, U.S.A. Westport, CT: Greenwood Press.


Bosch, G. & Philips, P. (Eds.). (2002). Building Chaos: An International Comparison of Deregulation in the Construction Industry. London: Routledge.
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Legal Environment of Businesses Legal Environment of

Words: 1259 Length: 4 Pages Document Type: Essay Paper #: 57914378

Legal Environment of Businesses:

Legal Environment of Extermination Business:

As a wealthy investor who plans to start a chain of exterminating businesses across the United States, there are several laws and regulations as well as risks that Frank must take into consideration. Frank can open a chain of exterminating businesses by either developing the business enterprise as a new startup or purchasing a pest control franchise. The first step for Frank would be to contact the government agency that regulates this industry in the states where he wants to begin operations. This is because each state has specific certification and licensing requirements that businesses must comply with. Generally, the United States Environmental Protection Agency is responsible for enforcing federal pesticide regulations. In setting up the businesses, Frank should ensure that his employees fulfill the state legal requirements and regulations regarding their work.

As required by the Federal Environmental Pesticide Control…… [Read More]


"APHA Guidelines for Licensing and Regulating Birth Centers." (n.d.). American Association of Birth Centers. Retrieved July 10, 2011, from

Beesley, C. (2010, March 23). Turning your Handyman Skills into a Profession: Starting a Construction or Home Improvement Business. Retrieved from U.S. Small Business Administration website:

McAllister, S. (2010, March 28). Employment Law: employment Law. Retrieved July 10, 2011,

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Small Business Is an Essential

Words: 2003 Length: 8 Pages Document Type: Essay Paper #: 30395267

Venture capital is the money that businesses get from investors to start or continue a business. Ironically the advantages of a business plan are also correlated with some of the disadvantages of a business plan.

For instance, a book entitled Under the adar: Starting Your Net Business without Venture Capital, Venture capitalists often find that many business plans are too optimistic (Kling 2001). The book asserts that,

Trying to obtain venture capital funding without a business plan is like trying to get into college without filling out an application. Ironically, however, even venture capitalists are skeptical about business plans. Any venture capitalist will tell you that a first-rate team with a second-rate business plan is preferable to a second-rate team with a first-rate business plan. In fact, when I listen to venture capitalists describe how they make their decisions, the process often sounds highly intuitive and almost romantic -- like…… [Read More]


Writing the Plan. Small Business Administration.

What is a Small Business. Small Business Administration.

Vital Role of Small Business Demands Greater Recognition. 2002. Canadian Speeches. Volume: 16. Issue: 5. Publication Date: November-December 2002. Page Number: 46+.

Anglund. Sandra M. 2000. Small Business Policy and the American Creed. Praeger: Westport, CT.
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Management in Business Operations and Performance

Words: 12446 Length: 45 Pages Document Type: Essay Paper #: 41162745

Integrating Total Quality Environmental Management Systems - a Critical Study of TQEM

Relevance of TQM to Environmental Management

Scope of Dissertation

Moving from Reactive to Proactive Management

Understanding TQM in Relation to TQEM

History of TQM

Operation of TQM

Quality and Environmental Management Standards

Environmental Management Systems

Weaknesses of EMS Standards

Total Quality Environmental Management

Comparing ISO 9000 and ISO 14000

Integrating the ISO 14000 Environmental Management System


Impact of certification on economic and ecological performances

Research Design and Nature

Integrating a Sustainable EMS with TQM

Steps to Implementing an Effective TQEM Strategy

Final Word




ackground and Overview of Study

For decades economic growth has been considered the main indicator of a healthy society (Oliver, 1996). However, only recently has society begun to recognize the environmental cost of this growth. As a result, there is now an…… [Read More]

Bibliography working paper. Winnipeg, MB: International Institute for Sustainable Development, 1996. 58

Bisang, O. (2000), Green Banking - The Value of ISO 14001 Certification

Chattopadhyay, S.P. (2001), "Improving the Speed of ISO 14000 Implementation: A Framework for Increasing Productivity," Managerial Auditing Journal, 16/1, pp. 36-39.

Chinn, R. (March 21, 2001). Roadmap to Realization -- "Getting Started with Your QMS/EMS Integration Process. Alamo Learning Systems.

Clark, D. (1999), What Drives Companies to Seek ISO 14000 Certification, Pollution Engineering, Summer, pp. 14.